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United Methodist Federal Credit Union

Popular Accounts at this Credit Union

1.41%5-year CD60 Month CD
0.55%1-year CD12 Month CD
0.15%SavingsSpecial Share

Overview / Commentary
9040 Benson Ave
Montclair, CA 91763

United Methodist Federal Credit Union is headquartered in Montclair and is the 159th largest credit union in the state of California. It is also the 1,699th largest credit union in the nation. It was established in 1948 and as of September of 2017, it had grown to 15 employees and 5,176 members at 4 locations. United Methodist Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a member of a church, clergy, staff or lay member in the California-Pacific Conference, Desert Southwest Conference, California-Nevada Conference, Pacific-Northwest Conference, Oregon-Idaho Conference, Rocky Mountain Conference, Yellowstone Conference, New England Conference, Missouri Conference, the Alaska Missionary Conference of the United Methodist Church or the Arizona Episcopal Diocese.
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Reviews (1)

UMFCU is pretty all right

Posted by: jgsdsbb | Feb 18, 2015

I have never had any issues with the United Methodist Credit Union that are more than minor annoyances that I hear are common at many credit unions. For example their web access has been less attractive than major banks and it took a long time for them to get onboard with mobile deposits. But, their website is functional and within the last year they have begun to provide mobile access through CO-OP's Sprig app. Again it works but is not as refined or pretty as other financial apps. The UMFCU has always been very responsive to my phone calls and emails and have done their best to assist with all of my questions. I appreciate that the CO-OP system also means that other local credit union branches can help me as well. Additionally they offer some membership perks such as a free complimentary life insurance policy.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. United Methodist Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #5816
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD8.32%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$89.8MM$89.1MM
LoansQ3 2017vs Q3 2016$44.3MM$40.6MM
DepositsQ3 2017vs Q3 2016$81.1MM$81.1MM
Equity CapitalQ3 2017vs Q3 2016$8.5MM$7.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$127.00K$62.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$290.00K$381.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Methodist Federal Credit Union Savings Account Rates

0.20%--IRA Account
0.15%*$15k*-Regular Share
OTHER TIERS: 0.10% $100 - $15k
0.15%--Youth Share Account
0.15%--Christmas Club
0.15%*$15k*-Special Share
OTHER TIERS: 0.10% $100 - $15k

United Methodist Federal Credit Union Money Market Rates

0.25%*$25k*-Money Market Multiplier
OTHER TIERS: 0.20% $2k - $25k

United Methodist Federal Credit Union Checking Account Rates

0.05%$500-Corporate Checking
0.05%$500-Secure Checking

United Methodist Federal Credit Union CD Rates

1.41%$1k-60 Month CD
0.90%$1k-36 Month CD
0.70%$1k-24 Month CD
0.55%*$1k*$50k12 Month CD
OTHER TIERS: 0.45% $50k+
0.35%*$1k*$50k6 Month CD
OTHER TIERS: 0.25% $50k+

United Methodist Federal Credit Union IRA Rates

1.41%$2,500-60 Month IRA
0.70%$1k-24 Month IRA

United Methodist Federal Credit Union Locations
Branch Office1550 E Meadowbrook Ave Ste BPhoenix, AZ 85014-4040
Branch Office9040 Benson AveMontclair, CA 91763
Branch Office201 Main St Suite 2Westbrook, ME 04092
Branch Office301 SW Woods Chapel RdBlue Springs, MO 64015